Hometown News • Thursday, February 13, 2014 • Page 5
Dave Says -By Dave Ramsey Dear Dave, How can I get credit card companies to stop sending us preapproved offers? My wife continues to sign up for these, and now we have $40,000 in credit card debt. -Dan Dear Dan, Chances are you’ll never get credit card companies to stop sending stuff, but there a few things you can do that might help slow things down. Access your credit bureau report, and opt out of marketing offers. You can also freeze your credit report, and send direct requests to the credit card companies to take you off their mailing lists. I’ve been telling people not to use credit cards for 20 years and, believe it or not, even I get offers in the mail. The more mailing lists you get on, the more your mailbox will fill up with junk mail. If you have magazine subscriptions and things like that, your contact information is circulating all over the place. The next thing I’m going to say may sound cruel, but I really don’t mean it that way. You don’t have a junk mail problem, Dan. You have a relationship problem. You two are not on the same page about money. Either she doesn’t feel like you two have enough money, and she’s resorting to credit cards for this reason, or she does this because she’s a spoiled brat who thinks she should always have what she wants when she wants it. Her behavior is destroying your financial lives and driving a wedge between you. My advice would be to sit down and have a gentle, loving talk with her about all this. Try to find out why she feels the need to have all these credit cards, and explain that you’re worried about what it’s doing to your marriage and
Deadline for Next Thursday’s Paper is Monday, Feb. 17
Historic Rock Tavern & Eatery
your finances. That may mean having to spend some time with a marriage counselor, but that’s okay, too. There’s no reason to be ashamed of something like that. The truth is, most of us who have been married more than 20 minutes could use a little help in that area of our lives! -Dave Dear Dave, I’m trying to pay off my credit card and get out of debt. Do you think I should transfer the balance to one with a lower interest rate while I do this? -Kelsey Dear Kelsey, I’m not against this idea, as long as you understand that you’re not really accomplishing much. All you’re doing is moving money around, and maybe saving a tiny bit on interest. If you were planning on keeping the debt around for 30 years it would become a big deal. But if you’re talking about a few months, just until you get it paid off, it’s not that much money. The problem with balance transfers is that you feel like you took a big step forward when you really didn’t. Lots of times this causes people to lose focus on other things they can do to get out of debt, like picking up an extra job or selling a bunch a crap they don’t want or need. That kind of stuff, along with living on rice and beans and a strict written budget, is 98 percent of the battle when it comes to getting out of debt! -Dave * Dave Ramsey is America’s trusted voice on money and business. He’s authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.
BURTRUM Liquor On/Off Sale • Cashless ATM Pull Tabs • Lottery
Mon.-Thurs. 11 am-11 pm Fri.-Sat. 11 am-1 am; Sun. 3-8 pm
320-285-2196
Voted Best Dining View Join us upstairs for a Sweetheart Weekend Friday & Saturday.
We put together a great dinner menu for you!
The Last Great Tavern Since 1937! 320-285-3576 Located on Big Birch Lake, Grey Eagle
P.S. It’s the only Rock you will need for your sweetheart!!!
Sirloin Steak for Two • Walleye • Salmon • BBQ Ribs Shrimp • Boneless Chicken Breast Salads & Desserts
Mon. Closed • Tues.-Fri. Open at 3 PM • Sat. & Sun. Open at Noon
Friday, Feb. 14
Serving 5-9 PM All You Can Eat FISH
• 6.50 • 21 Shrimp $5.50 • Grilled Shrimp $9.95 • 12 oz. Ribeye $8.95 Buy 1 Glass of Wine, Get One FREE! Busch Light 24 pk. cans $14.00 + tax
$
Join Us for the Poker Fun Run Every Saturday!
The Fireplace Will Be On!
Saturday, Feb. 15
Bullet Bob
Drink of the Month Stick to your New Year’s Resolution Bud 55 or Michelob Ultra $3.00/Bottle
ALL STARS SPORTS BAR & GRILL St. Rosa • 320-836-2154
Grey Eagle Alumni coming back to area as Southwest Christian Coach
By Mike Austreng Butch Sprenger, a 1975 graduate of Grey Eagle High School, is coming back to the area with his girls varsity basketball team that he coaches from Southwest Christian High School in Chaska, MN. Southwest Christian will play the Melrose girls in Melrose on February 28th at 7:30 p.m. – JV will start at 6:00 p.m. (The team will also be in the area on February 25th when they play at St. Johns Prep at 7:00 p.m.) Butch moved from this area to the Twin Cities about 30 years ago and has been operating Destiny Homes, his remodeling and home building business, in the metropolitan area.
Butch became the girls varsity head coach and started to rebuild the girls’ basketball program at Chaska’s Southwest Christian four years ago, taking over the program in 2010-2011 when 11 of the 15 girls on the team were Freshmen. The first year with Butch as head coach the team struggled, going 6-20. The second year the team went 16-12 and 19-10 last year when they drew the Second Seed in the Section. This year Butch has a mixed group of veterans and newcomers with his first 6’0” player in four years. Starting for the team this year are two Seniors, two Sophomores and one Freshman. The team has compiled a record of 15-5 so far and hopes to make a run at a Section title this year. Come on out and catch up with Butch and meet his assistant, former Minnesota Vikings great, Milt Sunde, and watch some fun girls basketball.
STILL MISSING!
Since early Fall 2013.
If anyone has seen or knows where my cat is, please call 320-285-3200, leave message.
OPEN 7 DAYS: 7 AM-1 PM
Village Cafe
• Fresh Ground Coffee
• Breakfast Specials (All Day) • Homemade Soups
320-285-2800 • Grey Eagle
Sat., Feb. 15
VALENTINE’S SPECIALS
2 Miles North of Grey Eagle on Hwy. 28, then Right on Co. Rd. 103 on Mound Lake • 320-285-4541
New Friday Night Happy Hour 9-11 PM
12 All You Can Drink Busch Light - Tap $ 2 Rail Drinks • FREE Jukebox!
$
Back Room Available for Parties!
Friday, Feb. 14
Serving 4:30-10 PM
• Prime Rib & Shrimp Dinner....$18.96 • Stuffed Pork Chop Dinner....$10.95
Shockwave Sunday, Feb. 16
CHILI COOK OFF
Chili Judging from Noon-3 PM Winner Announced at 3 PM! $50 Gift Certificate for 1st Place!
VALENTINE’S SPECIALS Friday & Saturday, Feb. 14 & 15
Noon Lunches
Chicken & Ribs • Pan Fried Walleye • Prime Rib Includes Full Soup & Salad Bar
Linda B’s St. Rosa • 836-2152 Double R
Bar & Grill
Grey Eagle • 320-285-2965 www.doublerbarandgrill.com
Noon Lunch Specials
Fri., Feb. 14: Hot Beef Sandwich Sat., Feb. 15: Prime Rib Burger Sun., Feb. 16: Bar Opens at Noon; Kitchen at 3 PM Porterhouse, 1/4 or 1/2 Chicken, Pork Chop Mon., Feb. 17: Fajitas Tues., Feb. 18: M&O Dinner Wed., Feb. 19: Grilled Chicken Salad Melt w/Fries Thurs., Feb. 20: BBQ Ribs
Serving 5-9 PM THURSDAY NIGHT • Chicken & Ribs $10.95 • 8 oz. Ground Sirloin $9.95 SATURDAY NIGHT $ • Prime Rib 15.95 • Sirloin & Shrimp $14.95 $ • Ribs 12.95 $ • Walleye 12.95 Includes Choice of Potato & Salad Bar
Complimentary Glass of Wine
SWEETHEART DEAL! Friday, February 14
Serving 5-9 PM • Includes Choice of Potato & Salad Bar
STEAK & LOBSTER...$23.95
• 20 oz. Porterhouse............ $16.95 • Broiled Shrimp or Chicken Fettuccine Alfredo............. $9.95 • Cod Deep Fried or Broiled.................$ 8.95
Saturday, Feb. 15: RACE ON TRACE Race Starts at 10 AM